Colorado Federal Savings Bank: Savings Accounts & Rates

Savings rates updated: 8/29/2025

Mission statement: Banksparency aims to make Colorado Federal Savings Bank's savings accounts transparent and comparable to those of other banks. Learn more about Banksparency.

Note: Interest rates below are reported as APY, or Annual Percentage Yield

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Savings Overview

Premier Savings: 4.15% APY(Rank 33 out of 81 tracked HYSAs)

Minimum Deposit: $50,000 | Online Only

High Yield Savings: 4.10% APY(Rank 38 out of 94 savings accounts)

Minimum Deposit: $1 | Online Only

National Savings Interest Rate: 0.39% (as of 8/26/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: Greenwood Village, Colorado

Founded: 1990

Access to Branches: None

Deposit Insurance: FDIC Cert # 33111

BBB Rating: A+ (Not BBB Accredited)

App Store Rating: 4.7/5

Google Play Rating: N/A

Website: Visit Colorado Federal Savings Bank

Our Take on Colorado Federal Savings Bank

Highlights

Premier Savings offers a competitive APY of 4.15%
High Yield Savings account has an APY of 4.10%
No maintenance fees for both accounts
Bank has an A+ BBB rating

Considerations

Minimum deposit and balance of $50,000 for Premier Savings
No physical branches available
Current APYs have decreased from 30 days ago
Both accounts require online access only

Summary: Colorado Federal Savings Bank offers two high-yield savings accounts, with Premier Savings at 4.15% APY and High Yield Savings at 4.10% APY. Both accounts have no maintenance fees but require significant minimum deposits. The bank has no physical branches and operates online only, which may limit access for some users. Notably, the APYs have decreased slightly over the past month, and the bank holds an A+ BBB rating, though it is not BBB accredited.

Savings Accounts: In-Depth View

Savings Accounts Offered by Colorado Federal Savings Bank

Feature	Premier Savings	High Yield Savings
APY	4.15% (as of 8/29/2025)	4.10% (as of 8/29/2025)
APY Trend	-0.10% MoM	-0.10% MoM
Minimum Deposit	$50,000	$1
Minimum Balance for APY	$50,000	$1
FDIC-insured	Yes	Yes
Online Only	Yes	Yes
Bundled Account	No	No
Direct Deposit Required	No	No
Compound Frequency	Daily	Daily
Maintenance Fee	$0	$0
Eligibility	United States	United States
Sponsored Link
No deposit agreement summary available for this bank.

Calculate Savings for Colorado Federal Savings Bank

All calculations are based on APY.

Choose savings account:

Initial Deposit:

Recurring Deposit Amount:

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Duration:

Total savings breakdown:

Interest earned: $12,677.2 (16.75%)
Total contributions: $13,000 (17.18%)
Initial deposit: $50,000 (66.07%)

Your total balance

$75,677.20

Effective APY: 4.15% (based on your deposit and contributions)

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Colorado Federal Savings Bank Savings Rates Over Time

Historical APY Insights

Metric	Premier Savings	High Yield Savings
Latest APY	4.15 %	4.10 %
Trend	Sideways	Sideways
Slope (bps/mo)	-1.0	-1.1
Rate Changes / Mo	0.16	0.47
Days Since Last Change	23	23
High (-6 m)	4.25 %	4.25 %
Low (-6 m)	4.15 %	4.10 %
Draw-down from High	-2.4 %	-3.5 %
Volatility (CV)	0.008	0.008

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 6 months (regression slope).
Slope (bps/mo): Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo: Typical number of APY moves per month.
Days Since Last Change: Recency of the latest APY adjustment.
High (-6 m): Highest APY in the last 193 days.
Low (-6 m): Lowest APY in the last 193 days.
Draw-down from High: How far today sits below the 6-month peak.
Volatility (CV): Coefficient of variation = stdev ÷ mean.

Why Track Savings-Account APYs?

See how quickly a bank reacts to Fed moves or competition.
Gauge “twitchiness” - frequent moves can annoy savers.
Spot if you're buying near a peak (draw-down) or riding a rise.
Slope (bps/mo) shows speed of change.
Volatility (CV) scales jumps by average level.

Compare Colorado Federal Savings Bank's Savings Accounts

Affirm - 3.85% APY
All America Bank - 1.50-3.25% APY
Ally Bank - 3.50% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.46% APY
Bank5 Connect - 4.05% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 4.15% APY
Betterment - 4.00% APY
BMO Alto - 3.50% APY
Bread Savings - 4.25% APY
BrioDirect - 4.30% APY
Capital One - 3.50% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 1.25-3.75% APY
CIBC Bank USA - 4.02% APY
CIT Bank - 0.25-4.00% APY
Citibank - 3.50% APY
Citizens Access™ - 3.50% APY
ConnectOne Bank - 4.00% APY
Customers Bank - 4.23% APY
Discover Bank - 3.50% APY
Elevault - 4.60% APY
E*TRADE from Morgan Stanley - 4.00% APY
EverBank - 4.30% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.25% APY
Fitness Bank - 4.85% APY
Flagstar Bank - 4.00% APY
FNBO Direct - 3.25% APY
Forbright Bank - 4.25% APY
FVCbank - 4.35% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 4.00% APY
Marcus by Goldman Sachs - 3.65% APY
My Banking Direct - 4.30% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.60% APY
Newtek Bank - 4.35% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.35% APY
Pibank - 4.60% APY
PNC - 3.95% APY
Poppy Bank - 4.25% APY
Popular Direct - 4.10% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 4.05% APY
Primis Bank - 4.20% APY
Quontic Bank - 3.75% APY
RBMAX - 4.15% APY
Rising Bank - 4.30% APY
ROGER - 4.12% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.03% APY
SoFi Bank - 3.80% APY
Synchrony Bank - 3.80% APY
TAB Bank - 4.15% APY
TD Bank - 0.05-3.00% APY
The State Exchange Bank - 3.05% APY
TIMBR - 4.40% APY
UFB Direct - 4.01-4.21% APY
Upgrade - 4.02% APY
Valley Direct - 4.30% APY
Varo Bank - 2.50-5.00% APY
Wells Fargo - 0.05-2.51% APY
Western Alliance Bank - 4.30% APY
Zynlo Bank - 4.35% APY

Feature	Colorado Federal Savings Bank	Select a bank...
Product		N/A
APY	4.15% (as of 8/29/2025)	N/A
Bundled Account	No	N/A
FDIC-insured	Yes	N/A
Online Only	Yes	N/A
Compound Frequency	Daily	N/A
Minimum Deposit	$50,000	N/A
Minimum Balance for APY	$50,000	N/A
Maintenance Fee	$0	N/A
Direct Deposit Required	No	N/A